Banks and credit unions offer a wide variety of loan products. Some loans, like home equity loans, require you to offer your personal assets as collateral if you are not able to repay the loan. If you do not have a home or other assets, you may still be able to qualify for a personal loan, depending on your financial circumstances.

Be sure to compare rates terms at multiple institutions before you commit to a loan. Credit unions often offer lower interest rates than banks.


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